Only $95/month covers your co-op dues, including lawn service, a community pool, and hot tub—offering exceptional value in a financially solid 55+ community. This turnkey furnished and move-in ready 3-bedroom, 2-bath home sits on a rare deeded lot in St. James Village—one of the few properties that includes both land ownership and a co-op share. If an investor ever buys out the community, both must be purchased, making this a more valuable and protected investment. Almost the entire home has been remodeled, including the kitchen and guest bath, and comes with new household items, ready for full-time living or a seasonal vacation rental. Located in Flood Zone X with no history of flooding and no lender-required flood insurance, this home offers peace of mind and convenience just 4 miles from the beach and minutes to Downtown Bonita Springs, Riverside Park, and Sugarshack. Features include luxury vinyl tile flooring throughout, a spacious screened lanai, two-car carport, and private storage shed. The community offers RV/boat storage and allows 30-day rentals. Cash only due to co-op structure; however, seller is open to creative deal options. A rare opportunity for affordable, low-maintenance Florida living in a desirable 55+ setting!